Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$91,561Cash toward the purchase price.
Closing costs + prepaids$13,023Not just lender fees.
Before credits & paid funds$104,584The complete starting cash picture.
Estimated remaining funds due at closing
$104,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,561.08
Your down payment$91,561.08
Closing costs + prepaids$13,023.04
Total buyer cash needed$104,584.12
Remaining funds due$104,584.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,741.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$290.75
Initial HOA (3 months)$37.50
Prepaid interest, first (28 days)$1,336.09
Fees + prepaids$13,023.04
Your down payment is the seller’s equity. You take over the $348,339 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $104,584.12 is due at closing. Uses and sources reconcile at $452,923.04 each. Not a Closing Disclosure.